Compare Savings vs. CDs
Comparison of Deposit Account from OTERO with 0.20% - December 2025


Long-Term Analysis of CONSUMERS PROFESSIONAL with 1.05% APY and OTERO with 0.20% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    1.05%
    -
    $50,000
    36 Month
    Credit Union
    1.40x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 527 369
    2 50,527 533 373
    3 51,060 538 377
    4 51,598 544 381
    5 52,142 550 385
    6 52,691 555 389
    7 53,246 561 393
    8 53,808 567 397
    9 54,375 573 401
    10 54,948 579 405
    11 55,527 585 410
    12 56,112 591 414
    13 56,704 598 418
    14 57,301 604 423
    15 57,905 610 427
    16 58,516 617 432
    17 59,132 623 436
    18 59,756 630 441
    19 60,386 636 446
    20 61,022 643 450
    TOTAL $11,665 $8,166
  • 2
    LOCAL MONEY MARKET
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.27x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.